Virtual Card Issuing
Create cards in seconds, not weeks. Virtual cards give your customers instant, controllable spending credentials for online payments, subscriptions, travel bookings and supplier payouts.
How do virtual cards work?
A virtual card is a complete payment card — number, expiry and CVV — generated digitally without plastic. It works anywhere online that accepts Visa or Mastercard and can be provisioned to mobile wallets for in-store use. Because virtual cards are created programmatically, each one can carry its own limits, merchant restrictions and lifetime, making them ideal for controlled, auditable spending.
Instant cards with precise control
Issuance in seconds
Cards are created via API and usable immediately — perfect for onboarding flows that end with a live card.
Single-use & merchant-locked
Restrict a card to one transaction, one merchant or one category to eliminate misuse of stored credentials.
Wallet provisioning
Virtual cards extend to contactless in-store spending through mobile wallet provisioning.
Per-card budgets
Attach limits and expiry per card — a subscription card, a campaign budget, a per-trip travel card.
Tokenized security
Credentials are tokenized on PCI DSS Level 1 infrastructure, reducing exposure of primary account numbers.
Real-time visibility
Every authorization streams to your systems instantly, so spend is visible the moment it happens.
How virtual card issuance works
- 1
Create the cardholder
Register the person or business entity that will own the card.
- 2
Issue via API
One call returns live card credentials with your chosen controls attached.
- 3
Deliver in your app
Display the card in your product; add it to mobile wallets if enabled.
- 4
Track every event
Webhooks push authorizations and settlements into your ledger in real time.
Who it's built for
Frequently asked questions
How fast can a virtual card be issued?
Virtual cards are generated in seconds through the API and are immediately usable for online transactions once issued.
Can virtual cards be used in physical stores?
Yes, when provisioned to a mobile wallet a virtual card supports contactless in-store payments wherever the network is accepted.
Can I restrict where a virtual card can be spent?
Yes. Cards can be limited by amount, merchant, merchant category, country and channel, and can be frozen or terminated instantly via API.
Are virtual cards branded?
Yes — like every NetPay program, virtual cards are issued under your brand as part of a white label program.
Related pages
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